TL;DR is it a good idea to award caps equal to an enemy's level when you kill it? Or does that make the game too easy?

After 4-5 multiplayer playthroughs we find that we're short on caps almost the entire game. A lot of loot is only worth 2-3 caps, which is 1-2 caps in the shop (and takes a shop action to sell). The only other ways to gain caps are encounters (unreliable due to dice rolls), Lots of Caps card and a Luck perk.

To compare, you need caps for the following things:

- Shopping, which is expensive as all hell. The cheapest weapon and armor are 4 caps, and most drugs cost 4 caps as well. That's at least 2 loot cards you need to sell before you can afford even the cheapest stuff.

- Quests! A lot of quests have the option to either pay someone 4-7 caps or do something like defeat an enemy. Since we almost never have enough caps, we pretty much only do the other thing, which is a shame. The worst offender is one of the final main quest cards in the Commonwealth scenario, which requires insane amounts of caps to prevent the game from finishing too quickly.

- Brother Outcast. Starting with armor is very good, but the drawback is oh-so real.

- An agenda card which awards influence for having lots of caps.

To balance these issues, we're considering adding the following houserule:

- When defeating an enemy, you gain caps equal to its level.

Do you think this will work? Or will it make the game a little too easy?